Your Partner in Driving Financial Innovation

We deliver robust functional & technical support for Digital Transformation journeys for credit cards, Lending products, Payments and Remittance projects, ensuring seamless execution and scalability.

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Our Services at a Glance

Empowering financial institutions with end-to-end digital solutions—from customer onboarding to secure payments and global remittances.

Credit Card

A credit card is a financial tool that allows users to borrow funds up to a preset limit for purchases or cash advances. Interest is charged on unpaid balances. Credit cards offer benefits like reward points, cashback, and fraud protection. They help build credit history but require responsible usage to avoid debt accumulation and high interest charges.

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Lending Products

Lending products are financial offerings that provide borrowers with funds to meet personal, business, or emergency needs. These include personal loans, home loans, auto loans, and business loans. Each product has specific terms for interest, repayment, and eligibility. They help individuals and businesses manage large expenses and investments while generating revenue for lenders.

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Remittance

Remittance involves transferring money, typically by a foreign worker to individuals in their home country. It's a key financial service supporting families and economies, especially in developing countries. Digital and mobile channels have made remittances faster, cheaper, and more secure. Regulations and anti-money laundering (AML) checks are crucial in maintaining trust and compliance.

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Payments

Payments refer to the transfer of money between parties for goods, services, or obligations. This includes cash, cards, digital wallets, bank transfers, and QR code payments. The rise of fintech has led to faster, more secure, and more convenient payment methods. Innovations like contactless payments and real-time settlement are transforming both retail and commercial transactions.

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How We Work at Neural Cred

At Neural Cred, we partner with financial institutions to reimagine the credit card experience through automation, intelligence, and seamless digital delivery. Our collaboration framework ensures that your transformation journey is smooth, scalable, and future-ready.

How We Work at Neural Cred

Consultation – Understanding Your Goals

We begin by engaging with your product, credit, and technology teams to gain a deep understanding of your current infrastructure, customer pain points, and growth objectives.

Assess current credit card/Lending products underwriting and onboarding journeys

Identify friction points and gaps in servicing and lifecycle management

Map regulatory, compliance, and data needs specific to your market

Define success metrics: time-to-issue, approval rates, cost reduction, CX improvements

Outcome: A clear, tailored transformation roadmap aligned to your strategic goals.

Implementation – Deploying Infrastructure, Software & Integrations

With a consultative blueprint in place, our team configures and deploys the Neural Cred platform, fully integrated with your existing systems and workflows.

Infrastructure Setup: Cloud-native or on-prem deployment, based on your preference

System Integration: APIs connected to your core banking, CRM, credit bureaus, card processors, and wallet partners

Feature Configuration: Credit decision engine, onboarding flows, lifecycle controls, and customer servicing modules

Compliance & Security: PCI DSS-ready implementation with data governance and risk controls

Testing & UAT: Iterative testing with your teams to validate end-to-end performance

Outcome: A fully functional, digitally-enabled card/lending/
payment platform ready to go live.

Ongoing Support – Ensuring Continuity & Innovation

Our engagement doesn’t end at go-live. We continue to support your operations with a focus on stability, performance, and evolution.

24/7 Technical Support: SLA-driven monitoring, incident resolution, and maintenance

Continuous Improvement: Updates, enhancements, and regulatory change support

Data & Analytics: Insights into credit performance, card usage behavior, and operational KPIs

Scalability: Launch new features (e.g., rewards, BNPL, installment plans) and expand into new customer segments or geographies

Outcome: Long-term partnership with continuous innovation and operational excellence.

Why Work With Neural Cred

Neural Cred is more than a technology provider — we’re your transformation partner. Our platform is built by industry veterans who deeply understand the challenges of launching and scaling credit card and lending programs in today’s fast-paced digital landscape. Here’s what sets us apart:

Domain Expertise Across Cards, Lending & Payments

Domain Expertise Across Cards, Lending & Payments

We bring over two decades of hands-on experience across credit lifecycle management, banking system integrations, and payment innovation.

  • Proven track record with banks, fintechs, and digital lenders in emerging and developed markets
  • Deep understanding of core banking systems, card networks, credit scoring models, and regulatory frameworks
  • Experience delivering end-to-end solutions across onboarding, underwriting, servicing, and card control functions
🟡 We don’t just build software—we understand the business inside out.

API-First, Modular, and Secure Architecture

Our platform is designed to plug into your existing ecosystem with minimal disruption and maximum agility.

  • API-First Design: Every function—onboarding, decisioning, servicing—is available via clean, RESTful APIs
  • Modular Deployment: Use only what you need—underwriting engine, card lifecycle tools, or the full stack
  • Bank-Grade Security: PCI DSS-ready infrastructure, tokenization, and end-to-end data encryption
  • Cloud & On-Prem Ready: Deploy flexibly across private cloud, public cloud, or hybrid models
🟡 You stay in control while accelerating innovation.
API-First, Modular, and Secure Architecture
Proven Frameworks to Accelerate Time-to-Market

Proven Frameworks to Accelerate Time-to-Market

We bring ready-to-use components, prebuilt integrations, and tested workflows so you can launch faster with confidence.

  • Pre-integrated with credit bureaus, KYC providers, and card/lending/payment processors
  • Ready-made templates for digital onboarding, customer servicing UI, and rule-based decision engines
  • Proven delivery methodology ensures go-live in weeks, not months
🟡 Speed is built into our DNA—launch, iterate, and scale without reinventing the wheel.

Customer-Centric and Compliance-Aligned Delivery

Your customers expect seamless, secure, and intuitive digital experiences—we help you deliver just that.

  • Omni-channel interfaces designed for digital natives and mobile-first customers
  • Real-time features: virtual card issuance, wallet provisioning, card controls, and fraud response
  • Built-in support for regulatory needs including AML, data residency, credit bureau usage, and consumer rights
  • Support for inclusive finance: alternate data underwriting, multilingual flows, and low-bandwidth modes
🟡 We design for trust, compliance, and superior customer experience.
Customer-Centric and Compliance-Aligned Delivery
Compliance-Driven & Regulation-Ready

Compliance-Driven & Regulation-Ready

Neural Cred embeds compliance into the core of the platform—from credit bureau integrations and KYC to AML, data residency, and consumer protection—ensuring you're always audit-ready.

Scalable Infrastructure for Growth

Whether you’re serving thousands or millions of customers, our cloud-native platform grows with you—supporting expansion into new segments, geographies, and product types with ease.

With Neural Cred, you’re not just adopting a technology platform—you’re gaining a strategic partner focused on delivering business outcomes through innovation, speed, and compliance.
Scalable Infrastructure for Growth
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Success Metrics

240K
Annual Cards acquisition count
12B+
Annual Personal Loans booking
2B+
Annual Remittance volume
90%
Customer Retention rate
70%
Digital STP rate
45%
Digital Approval rates